Mawaniro Aungaita (uye Nei Uchida) Zvimwe Zvimwe Zvokudya Zvokushandisa
Isu tinowanzonzwa pamusoro pezvidzidzo apo vanhu vanobudiswa kunze mumugwagwa mushure mekuparadzwa , kana iri mushure memoto mune chivako chemba yevatengi; kana kune vavanidzi vemba kana vadzidzisi vemakondomu mushure mekumba kwemba pfuma kunokonzerwa nemupupuri, kana dzimwe njodzi dzakachengetedzwa uye njodzi.
Paunenge uine musha, condo kana renter inshuwarisi Kuwedzera Living Expense coverage inokudzivirira kuti urege kuva mu "nzvimbo yekusasa" kana kupedzisa kubhedha mubhedha paunenge uine mitemo kana shamwari dzako dzimba iwe uchimirira kugadziridza kuitwa.
Heino nzira iyo inoshanda nayo, uye kuti ungawana sei izvi.
Zvimwe Zvimwe Zvokudya Zvokushandisa (ALE) Zvinotsanangurwa
Zvimwe zvekushandisa mari ndeye inshuwarisi inogona kuuya neimba yeimba , renter inshuwarisi , kana kuti condo proprietor inshuwarisi. Kuwedzera Kuwedzera Kwekushandisa Mari yekuvharapa kunopa zvipo kwauri kana iwe usingakwanisi kurarama muimba yako kana imba nekuda kwekurasikirwa nekusimbiswa kana kudai, apo imba yako iri kugadziriswa.
Zvimwe Zvimwe Zvokudya Zvokushandisa Zvichakupa mari kukubvumira kuchengetedza mararamiro ako, uye kukubhadhara nokuda kwezvimwe zvekuwedzera zvekugara kune imwe nzvimbo kana imba yako ichiparadzwa kana kuti isingagariki kusvikira yagadziriswa, kana kusvika kusvikira "Zvimwe Zvokushandisa Zvokushandisa" kana kuti ALE chikamu inosvika pamutemo wako.
Ndezvipi Zvimwe Zvimwe Zvokushandisa Zvokushandisa Zvokukubatsira Mukuita
Kunze kwehuwandu hwekugovera hupi hupi hupi hupi hwekubhadhara mari mari dzisingatarisirwi, kukwanisa kukwanisa kuchengetedza rusununguko uye hunovanzika mumusha wako penguva pfupi kunoderedza kushungurudzika kwakawanda mumamiriro ekutaura iwe nemhuri yako.
Iwe uchava nerugare rwepfungwa uchiziva kuti iwe hausi kuzova uri wako pachako uchiedza kutsvaga kwaunenge uchizogara uchiedza kudzoka kubva kune njodzi huru.
Unogona Kupi ALE?
Iwe unogona kungotora ALE kana imba yako ichigadziriswa mushure mekurasikirwa kunokonzerwa nehungwaru hwakafukidzwa neinishuwarenzi yavo .
Dzimwe nguva kugadzirisa mumba mako kunogona kuita kuti hupenyu hwako hurege kugadzikana, uye iwe ungasarudza kuenda kuhotera. Usambofungidzira kuti izvi zvichafukidzwa, kambani yveshuwarenzi inofanira kukubvumira iwe kuti uende kunze kweimba yako nekuda kwezvaanotaura . Zvimwe zvinoshandiswa zvavanoshandisa ndezvokuti kana pasina mvura inoshandiswa kana magetsi. Aya ndiwo mamiriro ezvinhu angaita kuti imba irege kugara.
Kuve nekugadziriswa kwakaitwa muimba yako yepasi kwevhiki imwe mushure mekuparadzwa kwemvura kana kushambidzika shure, hazvikwanisi. Pane zviitiko apo mutengi akange aine hafu yedenga rekugadziriswa mushure mekunge dutu, asi nokuti kukanganisa kwakanga kusina kukanganisa nzvimbo yavo yekurarama, uye vakange vane kupisa, magetsi, nemvura, ALE haina kubvumidzwa. Nguva dzose mubvunze usati watora mari. Kambani imwe neimwe ye inshuwarisi ichaongorora mamiriro ekutaura uye ichakuzivisai kana iwe unogona kugoverwa mumamiriro ako ezvinhu.
ALE Anoshanda Sei?
Zvimwe Zvimwe Zvokushandisa Zvokushandisa Zvichaita zvekubhadhara zvinotarirwa nehutsigiti yemari yekuwedzera mari yekurarama iyo inoenda kumusoro uye kudarika zvavanotarirwa mari zvichienderana nekurasikirwa kwakavharwa nehu inshuwarisi. Chinokosha apa ndechekuti humwe hutano hwemari hunotarisa pane mamwe mari.
Somuenzaniso, kana muridzi wekugara achibhadhara $ 500 pamwedzi, uye nekuda kwemoto mukuvakwa kwavo, muridzi weimba anovataurira kuti varege kunetseka nezvekubhadhara chikwereti kusvikira imba ichigarwa zvakare, uye pakarepo, ivo havasi kubudisa chinowanzosvika $ 500 mari yekugara.
Ngatiti vanowana pokugara kwenguva pfupi yehutano hwakafanana uye nzvimbo, asi nokuti inogadzirwa, inodhura $ 900 pamwedzi. Zvimwe zvinowanikwa mari yekuwedzera ndeye $ 400 munyaya iyi. Kwete $ 900.
Saizvozvowo, ngatitaurire kuti nekuda kwemamiriro ezvinhu akaoma, muridzi wacho anosarudza kurarama zvishoma zvishoma paanenge achimirira kuti imba yavo igadzirire, uye panzvimbo ye $ 900 yeimba, vanoenda kunzvimbo yepamusoro yegorofu pamwe nemaonero e $ 1,300 a mwedzi. Kambani yeInishuwarenzi inogona kudzokorora kudai uye inokwanisa kugona kuti iyi haisi mamiriro ekura kwemazuva ano kana kurarama kuri kuchengetwa, uye vangangobvumirana kubhadhara imwe yakaenzana ne $ 900 yeimba, zvakare zvakare kubhadhara madhora mazana mana echokwadi chaiyo kurarama mari munguva yemwedzi vashandi vacho vakadzingwa.
Rongedzo Yezvinhu Zvimwe Zvimwe Kuwedzera Kuwedzerwa Kwemari Kunogona Kuvhara Mukutaura
Heano mienzaniso mishomanana yezvinhu izvo kambani yeInishuwarenzi ichakurukura kubhadhara pasi pehuwandu hweALE mune kudai, kana zvine musoro kuti urambe uine mararamiro ako:
- Zvokudya Zvokudya
- Mariro yekuwedzera mileage kana kutakura mari yekufambisa nekuda kwenzvimbo itsva yenguva
- Zvinodhura zvekugara kwako kwenguva pfupi, ingava chibharo, hotera, motel kana imba muimba yebhodi.
- Zvinodhura zvekugadzira mbatya-Kana iwe uchifanira kutumira kushambidza kwako nokuti hauna kukwanisa kushambidzika uye wakaoma pamusha wako wenguva pfupi, zvino inogona kuvharwa, somuenzaniso
- Simba rinoshandiswa-zvinodhura kubhadhara zvinhu zvakasiyana siyana zvaunowanzoshandiswa kuti zvive zvakafukidzirwa uye zvinofungidzirwa
- Kuchengetedza mari yezvinhu zviri mumamiriro ezvinhu chaiwo
- Kufamba kana kushandura mari
- Pet boarding, uyezve ...
Nemhaka yekuti humwe hutano hwekugara hunofanirwa kuvhara musiyano pakati pezvaunowanzobhadhara uye zvaunofanira kubhadhara iye zvino nekuda kwekuti iwe hausi kurarama kumba, kunyange zvazvo mari inopfuura ino inogona kuvharwa neALE, pachava nenguva yekuongorora kumativi ose kuti mari yaunenge uchireva inofananidzwa neiyo inowanzodiwa mari yehupenyu hwako.
Sezvakaitwa mumuenzaniso wekubata chimbadzi, kuongororwa kwakafanana kuchaitwa nehushuwarisi revuster.
Ndezvipi Zvakawanda Unofanira Kutarisira Kuti Udzoserwe Kubva ALE Mukutsvaga?
Zviri nyore kuti usanzwisise zvinenge zvichizobhadharwa kwauri apo iwe unoti kuALE. Chinhu chekupedzisira chamunoda kuita ndotanga kupedza marudzi ose emari yakawedzerwa, kungoziva kuti iwe uri kungotora hafu yayo zvakare.
Mashoko akanaka ndeokuti makambani akawanda emishuwarenzi ane masimba makuru nemidziyo kuti ikubatsire kuwana musha kana kukodzera yakafanana neyako, uye mamiriro ezvinhu akanaka pedyo neawakagara.
Mushanduri anowanzopa humwe humwe sarudzo dzamunosarudza kubva pane iyo huchasangana neALE yako miganhu, uye ichava mukana wokukurukura kuti nguva yako yekuvhara ichabhadhara chii chekuwedzera mari yekushandisa. Nokuti ALE ane muganhu mumamiriro ezvinhu mazhinji, haudi kupedza mari kubhadhara mari yako, ndicho chikonzero chirongwa chakanaka chekubvunza yako inshuwarti yakagadzirisa zvakananga pamusoro pehurefu hwenguva iwe unogona kutarisira kuvharwa apo pane kugadziridza kuri kuitwa mumba mako .
Chii chinonzi ALE Chinorambidza Purogiramu yeInishuwarenzi?
Zvichienderana nehuwandu hwemagariro ako uye rudzi rwemutemo, muganhu weALE unowanzo:
- Inenge makumi matatu kubva muzana yemiganhu yekugara inowanikwa pamitemo yakazara yeimba yeimba ,
- Pakati pe50 muzana yemunhu wega kana yehutachiwana zviri mukati maro zvinowanikwa mumitemo yekodhi
- Inenge makumi matatu kubva muzana yeimba yako kana zviri mukati maro pamutemo wepambani.
Iyi ingongova mienzaniso yezvaunogona kutarisira semuganhu weALE. Chinokosha apa ndechokuziva muganhu wako waunogona kuwana pane peji inshuwariti DEC yemutemo wako kana mumashoko.
Pane mitemo ine zvikwiriso zvakakwirira, uye makambani einishuwarenzi angasarudza kuwedzera zvikamu zveALE zvichienderana nemitemo yavo.
Iwe unofanirwa kubvunzurudza neyemumiririri wako wehushuwarisi pamusoro pehuwandu hweALE uye usarudze kana izvi zvichange zvakakwana kuvhara mari yako kana iwe uchifanira kubva kunze kwemba yako kwenguva yakareba apo kugadziridza kuri kuitwa.
Muenzaniso wezvokudya zvekudya uye kuwedzera kwekushandisa mari yekubhadharwa
Zvokudya zvinotengeswa zvinowanzoitwa ALE zvinodhura izvo zvinonzwisiswa. Iwe unofanira kugara uchibvunza mubatsiri wako kuti izvi zvinodhura zvichabhadharwa sei uye zviyero zvakadini zvavanofunga kuti zvinonaka pamusi wekudya. Makambani eInishuwarenzi anowanzova nekutungamirirwa pamusoro pezvavanenge vachida kubhadhara sevhareji. Kana zvikwereti zvako zvikawira mukati memaitiro aya, saka iwe hauzove nechinetso, kana uri pamusoro pezvakanaka, ipapo kuda kwako kuchaongororwa zvakanyanya uye iwe unogona kuratidza kupera kwako chaiyo uye mari isati yabhadharwa. Izvi zvinongowedzera kunze kwokungopa risiti, zvinosanganisira kuratidza zvaunowanzoshandisa pazvokudya, zvino kuratidza kuti resitorendi mari yaunenge uchibhadhara inonzwisiswa kana ichienzaniswa nemararamiro ako. Iwe unogonawo kuda kukumbira mutongi wako wezvinodhaka zvewaini zvichazobhadhara sechikamu chezvikwereti zvekudya. Iwe ungashamisika kuti vanhu vazhinji vanofunga kuti bhadha yavo yakazara ichabhadharwa, asi zvikamu zvese zvinopedzisira zvichibhadharwa.
Somuenzaniso, Mary naJoe vanofarira kudya kwakashata. Joe ndiye mutungamiriri akakurumbira uye kazhinji, anochengetedza nyama dzakanaka uye zvegungwa uye anogadzira kudya kwakanaka zuva rimwe nerimwe. Mary naJoe vanosimbiswa nekambani yeinishuwarenzi muimba yekurenda ine kicheni yakazara. Vanoenda kunozodya kazhinji uye vobva vatumira mabhizimisi kumakambani einishuwarensi ekubhadharwa. Kambani yeInishuwarenzi inobvunza mibhidharo, ichitaura kuti zvokudya zvinodarika madhora 200, uye izvi zvinopfuura chikamu chavo chakakwana chekushandisa mari yekuwedzera. Joe anotsanangura, ivo vanoda kudya zvakanaka kwazvo uye vanoshandiswa pakukwirira kwekudya mumba mavo. Mutongi wacho aiziva izvi pamusoro pevatengi vacho uye ndicho chikonzero ivo vakavaisa mumusha wakagadzirwa zvakanaka zvikuru nekakanaka yekicheni. Zvinosuruvarisa, tsanangudzo yaJoe yezvekuwedzera mari yavo yekuwedzera haisi kuwedzera munyaya iyi. Vashandi vakapiwa zvinhu zvose zvakafanana zvavaiva nazvo kumba. Kudya kumaresitorendi avo vaifarira kwakanga kusiri mari yekuwedzera yemari inokonzerwa nekutaura kana kusununguka. Muchiitiko ichi, kambani yeInishuwarenzi yakanga iri mukati mekodzero yekubhadhara chikafu chekudya chemazuva ose zvichienderana nechokudarika izvo zvingadarika zvigadzirwa zvekudya zvekare. Joe naMaria vakanga vasipo muhomwe nokuti havana kunyatsonzwisisa kugoverwa.
Nzira Dzakaita Kuti Uve Nechokwadi Kuti Unowana Maximum Mipiro Inobhadharwa neALE muZvitsva
- Iva wakagadzirira kupa risiti yemari yako yose
- Nyora kuti mari inoshandiswa sei kuwedzera kubva pane zvaunotenga mari
- Ipa uchapupu hwehutano hwako hunoshandiswa kuti hushandiswe senhamba yekuenzanisira yekambani yeinishuwarenzi kana vachikakavhiringidza zvinhu
- Tsvaga mvumo yakanyorwa chero ipi zvayo yakakosha kubva kune kambani ye inshuwarisi kuti urege kusanzwisisana
Hapana chakaipa nekuzvifadza iwe uye kuedza kuita zvakanakisisa zvemamiriro ezvinhu akaoma, zvakakosha kuti uzive zvauchazove uchiwana. Kana usina mubvunzo nguva dzose bvunza mutongi wako kuti atsanangure kuti zvinhu zvichafukidzwa sei kuti usapedzisira uchitsika chikwereti.